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If You Own Or Drive A Car, It Is Very Important For You To Have Auto Insurance. In Fact, In Most Cases The Law Requires You To Have Insurance. Unfortunately, Getting Auto Insurance Can Be Hard Because There Are So Many Factors That Need To Be Addressed. That's Where We Come In. Welcome To SafeAutoOnline.com. This Site Is A Free Information Resource That Will Answer All Your Questions About Automobile Insurance. As You Explore This Site, You'll Discover...
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Lowering Your Auto Insurance Costs
Author: Mark Freeman

Vehicle insurance - a cost we all must bear if we want to drive. But you might be surprised at how varied the rates for car insurance can be in your area. Definitely shop around for your car insurance. Don’t just go with the first agent you speak with.

Now, thanks to the internet, you can shop around right from the comfort of home. Go ahead and get at least three price quotes from different kinds of insurance companies.

If you’re in the market for a new car, call to see how much it will cost to insure in the first place. Having a car alarm and other anti-theft devices can help lower your costs.

Always ask about discounts. Don’t be shy. Companies expect this!

What’s my cost if I have a $500 deductible? (Increasing your deductible from $200 to $500 could reduce your collision and comprehensive coverage cost by as much as 30 percent.)

How about a $1,000 deductible? Going to a $1,000 deductible can save you 40 percent or more. (Now if you don’t keep at least this much in the bank, don’t choose this option!)

If your car is worth less than 10 times the annual insurance premium, purchasing extra coverage may not be cost effective. That’s one great thing about owning an old car!

My credit rating is excellent. I always pay my bills on time.

What if we insure more than 1 car with your company?

I haven’t had an accident in more than three years…

I haven’t had a traffic ticket in three years…

I’ve taken a driver’s training course.

My car has an anti-theft device.

I don’t put a lot of mileage on my car in a year’s time.

I carpool.

My car has air bags.

My car is quipped with anti-lock brakes.

I have daytime running lights.

I’m a student driver with good grades.

Since I have both auto and home coverage with you, do I qualify for a discount?

I’m a college student away from home…

I’ve been a long time customer…

My mom and dad use your company…

Do you offer any other discounts? Some companies offer reduced rates to drivers who get insurance through a group plan from their employers and other professional groups. It can’t hurt to ask.

Not every company will offer the same discounts. Compare the final prices the various companies offer you. It pays to shop around for your car insurance!

About the Author

This article provided courtesy of http://www.auto-warranty-shopper.com

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Types of Auto Insurance Coverage Explained
A question you might ask yourself is: why must we carry auto insurance? Hopefully one answer you should hear is to protect yourself and your car. For those same reasons the government also requires you to have car insurance. The state of Florida requires you to carry at least the minimum requirements, which is property damage at ten thousand dollars and personal injury protection at ten thousand dollars. Property damage covers another person's vehicle if you are at fault in an accident. Personal injury protection covers 80 percent of medical expenses and 60 percent of loss wages as well as up to a five thousand dollar death benefit for you and your relatives (that reside with you), minus the deductible if it applies. This coverage would protect you in case there is any damage to other vehicles and gives you medical coverage for yourself. There are many different types of auto insurance coverage to choose from, depending on what you want covered and what you can afford. Where...
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